Make your life predictable – The 4 types of Savings
The times are changing and uncertain. This post discusses a strategy to make your financial life more predictable.
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Budgeting
How to design a data driven budget
This post shows a step-by-step data driven budgeting process. It takes away the emotional aspect of spending money and is rooted in hard data.
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How to keep away from cashing out retirement accounts
This post shows how a step by step approach can be used to achieve multiple financial obligations at the same time.
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Six steps to financial independence
Achieving financial independence need not be complex and not a privilege of sophisticated investors.
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The Rubik’s Cube of Personal Finance
This post describes the simple to use tools and flows for managing personal finance, whether it is cash flow, debt or investments.
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The Personal Finance Calendar
Planning your finances through an annual calendar keeps you in control.
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It is not a good IDEA
A new perspective to budgeting and how to pay yourself first.
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How to manage your cash flow
A simple and efficient way to automatically manage personal cash flow
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Who moved my cheese? How to deal with changes in financial plans
The title is taken from a famous book as below. Even though it is meant to be a management philosophy, it applies to the subject of personal finance as well. Financial Planning does not work? There is a proverb in the military – Plans are good till the first bullet is fired. Some of us
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The SAFE plan – Simple, Automated, Flexible and Efficient
Safety in financial world is an oft-repeated word, and is mentioned in contrast to risk and growth. We talk a lot about risk-return trade-off, safety of invested principal in long term and short term investments. There is another way of looking at Financial Safety. The SAFE plan described below is a way of setting up
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